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Death of the 4% Sustainable Withdrawal Rate?

Recently, the well-known 4% withdrawal rate rule of thumb has come under fire. For those not familiar, the 4% withdrawal rate comes from research by William Bengen, which demonstrated that, based on a historical analysis of stock and bond returns, retirees could withdraw up to 4% of their portfolio’s value each year over a 30-year […]

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Working Wealthy – Risk On, Risk Off

The market has been very good to investors the past few years. Aside from a harrowing but brief downturn in March and April of 2020, investors have been rewarded handsomely for investing in stocks. Is now the time to get greedy? We talk to clients all the time about risk—how much do you need; how […]

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Impact Investing – Constructing A Portfolio

A rapidly increasing number of investors have expressed interest in – and committed dollars to – the realm of sustainable investing. This trend has not been lost on fund managers, who have significantly boosted the number of investment offerings in this field. From the perspective of investors, this change has led to meaningful improvements in […]

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It’s Like Déjà Vu All Over Again

The late New York Yankees catcher Yogi Berra was known for his non-sensical quotes, or “Yogi-isms.” One of which, “It’s like déjà vu all over again,” seems an altogether appropriate way to describe the most recent stretch in the market. We’ve been here before The discovery in South Africa of a new Coronavirus strain called […]

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Top 3 Holiday Gifts

Your children and grandchildren may be asking for the latest technology gadgets and hot new toys for the holidays, but the best gifts are not the ones on their list of things you can buy at the store. As parents and grandparents, our quest is to raise happy and healthy children. While the hottest new […]

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Wealth Watch

Reducing Year-End Taxes on Your Investments

Nobody wants additional taxes for the holidays, so throughout the year, we look for ways to minimize them.  With year-end approaching, it’s a good time to review a few strategies that can potentially reduce your tax bill. Tax-Loss Harvesting The goal of tax loss harvesting is to stay in the market while capturing the current […]

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What the Heck Is a PFIC – Tax Pitfalls of International Investments

If you are an international investor or have spent time living or working outside the US, this topic is essential to understand. While it is easy to avoid, the consequences of owning a PFIC can be so substantial that your returns are eaten away, and you are left with a nasty tax situation. Background: US […]

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Wealth Watch

Stagflation…Should You Be Worried?

Stagflation. Its mere mention sends shivers down the spine of anyone old enough to remember the double-digit inflation, high unemployment, and endless gas lines of the 1970s and early-1980s. Ultimately, draconian measures by the Federal Reserve under then-Chairman Paul Volcker successfully wrung inflation out of the economy but not before a sharp rise in interest […]

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Tax Increases and Stock Options. What Does This Mean for You?

With possible tax increases coming soon, what does that mean for your stock options? A new bill could be passed at the 11th hour, and with year-end approaching, now is the time to analyze how this may impact you. Stock Options – A Brief Overview Stock options give employees the right to buy company stock […]

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Don’t Forget About These 5 Tax Planning Strategies Before Year-End

With all the talk around the recent tax proposals, many have lost sight of common tax planning strategies that should not be forgotten this year.  Implementing one or more of the following strategies could help save on taxes: 1. Roth conversion to fill up 24% tax bracket The 2017 Tax Cuts and Jobs Act lowered […]

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Wealth Watch

Bitcoin Boom or Bust?

It’s finally here! There’s an ETF in the US for Bitcoin. The ProShares Bitcoin Strategy ETF hit the market on Tuesday, October 19th. Bitcoin, and more broadly, cryptocurrency, have long been a hot topic and one of intense debate. Is this an asset that is headed for the moon or doomed to fail? There are […]

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You Paid What for That?!

Did you notice that you are paying 9.9% more for eggs and 5.6% more for apples than you did a year ago? Or that a new refrigerator will cost you about 20% more than it did pre-pandemic? Did you know that the backup of container ships at our California ports stands at 29, with an […]

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